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MasterCard PayPass is a "contactless" payment feature on all Capital One cards. To make a purchase at participating merchants, all you have to do is tap your MasterCard with PayPass on the special terminal featuring the MasterCard PayPass symbol. The Capital One MasterCard with PayPass features an embedded chip and radio frequency antenna. Once you tap your Capital One MasterCard with PayPass at a PayPass-enabled reader, your card transmits your payment details wirelessly. In non-techie terms, this means you no longer have to hand over your card to the merchant to swipe it through a reader (although you still can if you want). Your account details are communicated to the reader, then processed through the highly-trusted MasterCard acceptance network. Shortly after you tap the reader using your Capital One MasterCard with PayPass, you'll receive payment confirmation. Then you're free to go on your way!
Wherever you see a MasterCard PayPass terminal or reader, simply tap your card on the contactless symbol when the merchant asks for payment. There's no need to swipe or insert your card. You'll know your card has been read when you hear a "beep" and see a green light flash. Within seconds, the transaction will be authorized. That's it! Generally, if you're making a purchase of $50 or less, no signature is necessary. Larger purchases will still require you to sign a sales slip.
Anywhere you see the MasterCard PayPass symbol, you can Tap & Go™. This includes fast food restaurants, grocery stores, movie theatres, gas stations, and there's more on the way. If you don't see the MasterCard PayPass symbol, your MasterCard with PayPass can still be used by swiping at checkout, just like regular credit cards. MasterCard PayPass is currently accepted at Tim Horton's, Loblaws, Petro Canada, and more. See the full list of MasterCard PayPass merchants.
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